RCB Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
50th9.7% deniedPricingmedian rate spread over APOR, weight 30%
76th0.06 ptsProcesswithdrawn + incomplete share, weight 15%
28th17.1%Closing coststotal loan costs ÷ loan amount, weight 10%
30th2.48% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 923 | 643 | 14.1% | 16.5% | 6.38% | $136M |
| 2024 | 846 | 603 | 10.3% | 12.4% | 6.50% | $122M |
| 2025 | 835 | 612 | 8.0% | 9.7% | 6.41% | $138M |
What RCB Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 5 home-equity lines, 0 reverse mortgages, 4 manufactured homes, 137 investment properties.
Why RCB Bank denies applications
Primary reason reported for each of the 67 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at RCB Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 105 | 57 | 27.5% |
| $50k – $100k | 261 | 182 | 11.4% |
| $100k – $150k | 173 | 125 | 7.9% |
| $150k – $250k | 119 | 93 | 4.1% |
| Over $250k | 73 | 58 | 1.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 45 | 38 | 7.1% |
| 25–34 | 156 | 107 | 9.8% |
| 35–44 | 142 | 97 | 12.8% |
| 45–54 | 148 | 109 | 10.6% |
| 55–64 | 116 | 79 | 13.0% |
| 65–74 | 92 | 67 | 9.3% |
| Over 74 | 49 | 32 | 5.9% |
Where RCB Bank lends
7 states and 49 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
RCB Bank denied 9.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 50th percentile of small mortgage lenders.
The most common reason RCB Bank gave in 2025 was "debt-to-income ratio", cited on 53.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans RCB Bank originated in 2025 was 6.41%, and its median rate spread over the average prime offer rate was 0.06 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 60% of its applications were for home purchases, 26% for refinancing (including cash-out), and 14% for home improvement or other purposes. By loan type: 87% conventional, 10% FHA, 2% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.